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Raleigh Long Term Disability Lawyer

Raleigh Long Term Disability Lawyer

Long term disability benefits are an earned benefit that millions of Americans pay for through regular payroll deductions. For large businesses, unions, and other major employers, these helpful benefits are a big part of what attracts workers. In fact, most people tend to think of their benefits as a serious reason for choosing one company over another. So, it can be infuriating when you are injured, only to discover your company’s insurance carrier is refusing to pay the benefits that you have paid into over the years. When this happens, you do not have to take it. Call the Law Offices of J. Price McNamara to schedule a confidential, free consultation.

What is a Long Term Disability Plan?

Many cafeteria plans offered by employers provide optional coverage in the event of a serious injury or medical condition. Some plans offer short-term disability (for brief absences, like illness or a surgical procedure), while long term disability is typically meant for illnesses or conditions that will require an extended absence from work.

Depending on the amount of coverage selected and the options offered by your employer, coverage usually will pay a specific percentage of your total salary, up to a limited number of weeks or months.

What is Required to Trigger Coverage?

In order to take advantage of your long term disability plan, you will usually need to file a claim with the insurance carrier, which puts the company on notice of your need for benefits. You will also need to submit proof of the medical condition that warrants being off work for an extended period of time. This is where long term disability carriers often deny claims.

How to Make an Insurance Company Pay Benefits in Raleigh

If you were denied long term disability benefits despite being completely unable to work, you are not alone. In fact, the majority of claimants are initially denied. It is somewhat expected, unfortunately. The good news is that an experienced disability lawyer can work closely with you to develop your case and provide the evidence needed to get the denial reversed. If the insurance company intentionally acts in “bad faith” by denying you in spite of clear evidence, you may be able to file a lawsuit against the insurance company to force payment.

Under ERISA, a federal law that protects worker benefit plans, there are rules in place to protect people just like you. Remember that your long-term or short-term disability benefits are actually nothing more than complex contracts. When the insurance company collects your premiums only to deny valid claims, they are breaching that contract. When this happens, you have a right to fight back and hold them accountable.

Paying for a Raleigh ERISA Long Term Disability Attorney

Unlike many attorneys who require large fees and upfront retainers, at the Law Offices of J. Price McNamara, we only recover a fee if we are able to help you get the benefits you deserve. We know if you need help collecting long-term or short-term disability benefits, you may be struggling to pay the bills, so consultations are always free. Call us today.

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